{ "data": { "a": { "slug": "belvo", "name": "Belvo", "vendor": "Belvo", "vendorUrl": "https://belvo.com", "kind": "http-api", "category": "banking-data", "summary": "Belvo is an open finance API for Latin America. It reads bank accounts, transactions and investments in Brazil, employment records in Brazil and Mexico and tax data in Mexico, and starts Pix payments in Brazil and direct debits in Mexico.", "url": "https://www.anchorterminal.com/tools/belvo", "markdownUrl": "https://www.anchorterminal.com/tools/belvo.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/belvo.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/belvo.json", "license": "Proprietary service under Belvo's General Conditions of Service Usage. The belvo npm package (0.28.0) is MIT", "transports": [ "http" ], "remoteUrl": "https://api.belvo.com", "packages": [ { "registry": "npm", "name": "belvo" }, { "registry": "pypi", "name": "belvo-python" } ], "auth": "api-key", "authNotes": "HTTP Basic with a `secretId` and `secretPassword` generated in the dashboard, one pair for each environment. The password is shown once and a lost one means resetting the keys. No scopes or read-only keys were found. Sandbox keys are self-serve after email sign-up. Production keys follow a request to Belvo, a sales meeting and a certification call. End users connect accounts in the Hosted Widget, started with a 10 minute token from POST /api/token/. The Direct Debit API in Mexico has its own keys and optional IP allowlisting set up by support.", "pricing": "paid", "pricingNotes": "The Launch plan is 1,000 USD a month and Growth is priced by sales, both through Contact Sales (https://belvo.com/plans-and-pricing/). No per-call or per-link price is published, and the terms put the price in a signed Service Order with a 12 month term. The sandbox is free, self-serve and for testing only, so an agent can start without a contract but can't reach real accounts. Changing the refresh rate of recurrent links is priced by sales.", "priceSummary": "$1000 / mo", "where": "hosted", "x402": { "level": "no", "evidence": "No x402, MPP or L402 in the developer docs, the OpenAPI file or the pricing page (checked 2026-10-08).", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": null, "npmWeekly": 1084, "pypiWeekly": 240, "asOf": "2026-10-08" }, "docsUrl": "https://developers.belvo.com/", "llmsTxt": "https://developers.belvo.com/llms.txt", "openapi": "https://developers.belvo.com/_bundle/apis/BelvoOpenApiSpec.yaml", "capabilities": [ "bank.accounts", "bank.transactions", "bank.identity", "bank.payments", "bank.consent" ], "tags": [ "hosted", "openapi", "llms-txt", "api-key", "webhooks", "sandbox", "brazil", "mexico", "latin-america", "sales-led", "status-page", "closed-source" ], "lastRelease": "2026-08-10", "graded": true, "anchor": { "graded": true, "score": 63.5, "grade": "B", "agentReady": false, "rank": 355, "ranked": true, "rankOf": 842, "categoryRank": 2, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 80, "maintenance": 30, "payments": 20, "reliability": 84, "schema": 80, "security": 57, "transparency": 64 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-08" }, "negative": 0, "verdict": "Belvo publishes a 146-operation OpenAPI file, an llms.txt with a Markdown twin of each docs page, and list endpoints with field selection and pages of up to 1,000. Production access needs a sales meeting, a certification call and a paid plan from 1,000 USD a month, and no changelog or maintained SDK was found.", "bestFor": "Lenders and fintechs that need consented bank data in Brazil, employment or tax records in Mexico, or Pix and direct debit collection, and can sign a contract.", "strengths": [ "Public OpenAPI 3.0.2 file, version 1.223.0, with 146 operations on 83 paths, and a separate specification for Direct Debit in Mexico", "llms.txt lists a Markdown twin of every docs page in English, Spanish and Portuguese", "List endpoints take `fields`, `omit`, `page_size` up to 1,000 and range filters on dates and amounts", "Retention is set per link and per call with `stale_in`, `credentials_storage` and `save_data`", "ISO/IEC 27001:2022 and PCI DSS Level 1 are stated on the security page" ], "weaknesses": [ "Production keys follow a sales meeting, a certification call with a Belvo engineer and a paid plan from 1,000 USD a month", "One `secretId` and `secretPassword` pair per environment over HTTP Basic, with no scopes or read-only keys found", "No changelog was found, and the Python, Node and Ruby packages were last published in 2023 with their GitHub repositories returning 404", "Bank data covers Brazil only in the docs read on 8 October 2026, and Mexico has employment, fiscal and direct debit products", "security.txt expired on 22 March 2025", "General rate limits carry no published numbers, and the data webhooks have no signature, only an optional fixed authorisation header" ], "agentNotes": [ "Send HTTP Basic with `secretId` as username and `secretPassword` as password to https://sandbox.belvo.com, and switch to https://api.belvo.com only with production keys", "Create links through the Hosted Widget with a token from POST /api/token/, which expires after 10 minutes", "Read stored data with GET list calls. Each POST retrieval in Brazil counts against monthly Open Finance limits, such as 8 a month per CPF for owners and accounts", "Retry 50x responses up to five times from a 3 second base with a factor of two, and don't retry 40x apart from `too_many_sessions`", "Send `Belvo-Idempotency-Key` with a UUID when creating a payment intent, and `X-Belvo-Request-Mode: async` on link deletion to avoid the limit of 5 deletions a minute" ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 0, "avgRating": 0, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "B", "methodology": "0.4", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 63.5 } ], "editorialScores": { "ergonomics": 80, "maintenance": 30, "payments": 20, "reliability": 84, "schema": 80, "security": 57, "transparency": 46 }, "provenanceScore": 81 }, "connect": { "http": "curl -X GET https://sandbox.belvo.com/api/ \\\n -H \"Authorization: Basic $(echo -n 'YOUR_SECRET_ID:YOUR_SECRET_PASSWORD' | base64)\"", "claudeCode": "claude mcp add --transport http belvo-docs https://developers.belvo.com/mcp", "config": { "mcpServers": { "belvo-docs": { "type": "http", "url": "https://developers.belvo.com/mcp" } } } }, "letme": { "capability": "https://letme.dev/bank.accounts", "tool": "https://letme.dev/belvo" }, "area": "domain-data", "unitPrices": [ { "item": "Launch plan", "unit": "month", "usd": 1000, "note": "Production access, through sales. Growth plan is custom" } ], "provenance": { "legalEntity": "Belvo Tecnologias Ltda.", "domain": "belvo.com", "domainRegistered": "2005-07-17", "endpointOnVendorDomain": true, "terms": "https://belvo.com/terms-service/", "privacy": "https://belvo.com/privacy-policy-end-users/", "statusPage": "https://status.belvo.com", "changelog": "", "securityTxt": "expired", "checked": "2026-10-08", "notes": [ "The General Conditions of Service Usage, last updated 10 January 2025, define Belvo as Belvo Tecnologias Ltda., CNPJ 37.869.837/0001-81, and Belvo Instituição de Pagamento Ltda., CNPJ 43.215.815/0001-09, with affiliates. They are governed by Brazilian law with the courts of São Paulo.", "The legal notice also names Belvo Technologies, SAPI de CV in Mexico City (RFC BTE1912023D6) and Belvo Technologies Inc. Sucursal en España in Barcelona.", "The privacy link is the end-user policy, which covers data Belvo processes through its platform for clients. A separate policy for clients and site visitors at https://belvo.com/privacy-policy-clients/ was last updated 15 July 2024.", "security.txt is PGP-signed, gives security@belvo.com and a disclosure policy on Federacy, and expired on 22 March 2025.", "No changelog was found. developers.belvo.com/changelog returns 404 and llms.txt lists none.", "Verisign RDAP gives a registration date of 2005-07-17 for belvo.com." ], "score": 81 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/belvo.json", "live": { "slug": "belvo", "probe": { "target": "https://api.belvo.com", "method": "get", "lastAt": "2026-10-09T11:46:23.276641942Z", "lastOk": true, "lastStatus": 403, "lastMs": 46, "lastNote": "asks for credentials", "authRequired": true, "uptime24h": 100, "uptime30d": 100, "p50ms24h": 45, "p95ms24h": 110, "samples24h": 195, "samples30d": 195, "days": [ { "date": "2026-10-08", "probes": 70, "ok": 70 }, { "date": "2026-10-09", "probes": 125, "ok": 125 } ] }, "vendorStatus": { "page": "https://status.belvo.com", "indicator": "none", "summary": "All Systems Operational", "checkedAt": "2026-10-09T11:37:44.608080818Z" }, "pages": [ { "url": "https://belvo.com/plans-and-pricing/", "kind": "pricing", "status": 200, "checkedAt": "2026-10-08T18:15:32.924207659Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "e45bde6abe6f" }, { "url": "https://belvo.com/privacy-policy-end-users/", "kind": "privacy", "status": 200, "checkedAt": "2026-10-08T18:15:35.22055183Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "44ff1673e0c9" }, { "url": "https://belvo.com/terms-service/", "kind": "terms", "status": 200, "checkedAt": "2026-10-08T18:15:55.309282506Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "fc9af45fbdce" } ], "updatedAt": "2026-10-09T11:46:23.276641942Z" } }, "answer": "Belvo scores 63.5 (B) on agent readiness against Yodlee Core API's 41.9 (E), and leads in 6 of 7 scored categories.", "b": { "slug": "yodlee-financial-data", "name": "Yodlee Core API", "vendor": "Yodlee, Inc.", "vendorUrl": "https://www.yodlee.com", "kind": "http-api", "category": "banking-data", "summary": "Yodlee's Core API (v1.1) aggregates a consumer's bank, card, investment, loan and insurance accounts for balances, categorised transactions, holdings, statements and account-owner details. Consumers link accounts through the embedded FastLink 4 widget.", "url": "https://www.anchorterminal.com/tools/yodlee-financial-data", "markdownUrl": "https://www.anchorterminal.com/tools/yodlee-financial-data.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/yodlee-financial-data.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/yodlee-financial-data.json", "repo": "https://github.com/Yodlee/OpenAPI", "license": "Proprietary service. The Swagger file on GitHub is MIT", "transports": [ "http" ], "packages": [], "auth": "oauth", "authNotes": "Self-serve for the sandbox. Registering on the developer portal gives a `clientId`, a `secret` and an admin `loginName` on the API dashboard. `POST /auth/token` takes the id and secret in a form body and a `loginName` header, and returns a bearer token that lasts 30 minutes and acts for that user, or for the admin on administrative calls. Every call also sends `Api-Version: 1.1`. Each environment (sandbox, development, production) has its own credentials. How production access is granted is not stated in the public docs. Full account numbers and holder details need Yodlee Security Office approval.", "pricing": "paid", "pricingNotes": "No public price. `/pricing` returns 404 on yodlee.com and on the developer portal, and product pages ask for a demo. The sandbox is free on registration, with five preconfigured users and sample data only, so an agent's owner can test without a contract (checked 2026-10-08).", "priceSummary": "Paid", "where": "local", "x402": { "level": "no", "evidence": "No x402, MPP or L402 in the developer docs, the Swagger file or yodlee.com (checked 2026-10-08).", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": 17, "npmWeekly": null, "pypiWeekly": null, "asOf": "2026-10-08" }, "docsUrl": "https://developer.yodlee.com/resources/yodlee/yodlee-api-overview/docs", "openapi": "https://raw.githubusercontent.com/Yodlee/OpenAPI/main/swagger.yaml", "capabilities": [ "bank.accounts", "bank.transactions", "bank.identity", "bank.consent" ], "tags": [ "hosted", "oauth", "openapi", "sandbox", "webhooks", "sales-led", "closed-source", "enterprise", "soc2" ], "lastRelease": "2026-07-31", "graded": true, "anchor": { "graded": true, "score": 41.9, "grade": "E", "agentReady": false, "rank": 796, "ranked": true, "rankOf": 842, "categoryRank": 12, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 58, "maintenance": 33, "payments": 15, "reliability": 15, "schema": 71, "security": 49, "transparency": 53 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-08" }, "negative": 0, "verdict": "A public Swagger 2.0 file covers 98 operations with per-operation error codes, and tokens last 30 minutes and are bound to one end user. No price, service terms, status page, rate limit or SLA is published, there is no official server SDK, and the sandbox is limited to five preconfigured users with sample data.", "bestFor": "A bank, wealth firm or fintech with a Yodlee contract that needs wide account coverage, including investment holdings, loans and insurance, in the US, UK, Australia and India.", "strengths": [ "Public Swagger 2.0 file on GitHub (MIT) with 98 operations, 267 definitions and `Y`-prefixed error codes listed per operation", "Access tokens expire after 30 minutes, are bound to one end user's `loginName`, and can be revoked with `DELETE /auth/token`", "Free sandbox on registration with five preconfigured test users, per the docs", "Consent endpoints list, renew and record open banking consents, and `DELETE /user/unregister` removes a user and their data", "The Security FAQ states an annual SOC 2 Type 2 assessment, PCI DSS 4.0.1 Level One certification and yearly third-party penetration tests" ], "weaknesses": [ "No public price, service agreement or developer terms. The terms address named in the Swagger file returns 404", "No status page, rate limit, 429 guidance, idempotency key or SLA was found in the pages read", "No official server SDK. Yodlee's docs tell developers to generate a client from the Swagger file", "The Swagger file was last updated on 22 April 2026 to the November 2025 release and lacks fields added in June and July 2026, such as `isCrypto`", "The sandbox cannot register new users, and full account numbers and holder details need Yodlee Security Office approval", "The privacy notice covers only Yodlee's own consumer services and websites, and no DPA or sub-processor list is public" ], "agentNotes": [ "Get a token with `POST /auth/token`, sending `Api-Version: 1.1` and the end user's `loginName` as headers and `clientId` and `secret` in a form body. Reuse it for up to 30 minutes", "Use the admin `loginName` only for administrative calls such as webhook subscriptions. A token made with a user's `loginName` reads only that user's data", "In the sandbox, pick one of the five preconfigured users. Registering new users is not supported there", "Page `GET /transactions` with `skip` and `top` (1 to 500). Without dates it returns the last 30 days, and at most two years with `fromDate` and `toDate`", "A person must link accounts in FastLink 4 first. Then read `GET /providerAccounts` for link status before `GET /accounts`", "Subscribe to `DATA_UPDATES` or `REFRESH` webhooks, or poll `GET /dataExtracts/events` in windows of at most 60 minutes, and do not poll accounts in a loop" ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 0, "avgRating": 0, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "E", "methodology": "0.4", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 41.9 } ], "editorialScores": { "ergonomics": 58, "maintenance": 33, "payments": 15, "reliability": 15, "schema": 71, "security": 49, "transparency": 32 }, "provenanceScore": 73 }, "connect": { "http": "POST /auth/token\nApi-Version: 1.1\nloginName: \u003cloginName\u003e\nContent-Type: application/x-www-form-urlencoded\n\nclientId=\u003cclientId\u003e\u0026secret=\u003csecret\u003e" }, "letme": { "capability": "https://letme.dev/bank.accounts", "tool": "https://letme.dev/yodlee-financial-data" }, "area": "domain-data", "provenance": { "legalEntity": "Yodlee, Inc.", "domain": "yodlee.com", "domainRegistered": "1999-02-09", "endpointOnVendorDomain": null, "terms": "", "privacy": "", "statusPage": "", "changelog": "https://developer.yodlee.com/resources/yodlee", "securityTxt": "none", "checked": "2026-10-08", "notes": [ "The privacy notice names Yodlee, Inc. and its subsidiaries Yodlee Credit, LLC, Yodlee Data Services, LLC and Yodlee Infotech Private Limited. The company page says Yodlee was acquired by Envestnet in 2015 and joined the STG portfolio in 2025.", "`terms` is left out. No service agreement or developer terms are published. The Swagger file gives https://developer.yodlee.com/terms/condition as its terms of service, and that address returns 404.", "`privacy` is left out. The privacy notice at https://www.yodlee.com/legal/privacy-notice says it applies to Yodlee's direct-to-consumer services and websites, and that a client's own privacy practices apply to services delivered through a Yodlee client, which is how API data is handled.", "`endpointOnVendorDomain` is null. The public docs print API paths without a host, and the host is given with the credentials on a dashboard we did not read.", "No status page is linked from yodlee.com or the developer portal, and status.yodlee.com did not answer.", "https://www.yodlee.com/.well-known/security.txt returns the home page, and the same path on developer.yodlee.com returns 404.", "Verisign's RDAP server gives a registration date of 1999-02-09 and CSC Corporate Domains, Inc. as registrar." ], "score": 73 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/yodlee-financial-data.json" }, "facts": [ { "a": "HTTP API", "b": "HTTP API", "name": "Kind" }, { "a": "Belvo", "b": "Yodlee, Inc.", "name": "Vendor" }, { "a": "https://api.belvo.com", "b": "no (local only)", "name": "Hosted endpoint" }, { "a": "HTTP", "b": "HTTP", "name": "Transports" }, { "a": "API key", "b": "OAuth", "name": "Auth" }, { "a": "Paid", "b": "Paid", "name": "Pricing" }, { "a": "no", "b": "no", "name": "x402" }, { "a": "Proprietary service under Belvo's General Conditions of Service Usage. The belvo npm package (0.28.0) is MIT", "b": "Proprietary service. The Swagger file on GitHub is MIT", "name": "Licence" }, { "a": "no", "b": "no", "name": "Read-only variant documented" }, { "a": "yes", "b": "no", "name": "llms.txt" }, { "a": "2026-08-10", "b": "2026-07-31", "name": "Last release" }, { "a": "2025-01-10", "b": "no document linked", "name": "Terms last updated" }, { "a": "2021-02-22", "b": "no document linked", "name": "Privacy policy last updated" }, { "a": "not found in the text", "b": "", "name": "Customer content may train models" }, { "a": "not found in the text", "b": "", "name": "Terms restrict automated access" }, { "a": "not found in the text", "b": "", "name": "Terms restrict benchmarking" }, { "a": "yes", "b": "", "name": "Terms or service can change without notice" }, { "a": "not found in the text", "b": "", "name": "Arbitration or class-action waiver" }, { "a": "1.1k npm/wk, 240 PyPI/wk", "b": "17 stars", "name": "Popularity" } ], "faq": [ { "answer": "Belvo scores 63.5 (B) on agent readiness against Yodlee Core API's 41.9 (E), and leads in 6 of 7 scored categories.", "question": "Which is better for AI agents, Belvo or Yodlee Core API?" }, { "answer": "Belvo needs an API key. Yodlee Core API uses an OAuth sign-in.", "question": "Do Belvo and Yodlee Core API need an API key?" }, { "answer": "Belvo has a hosted endpoint at https://api.belvo.com. No hosted endpoint is listed for Yodlee Core API.", "question": "Can an agent call Belvo and Yodlee Core API without installing anything?" } ], "goodFor": [ { "aheadOn": [ "Reliability, 84 against 15", "Schema \u0026 documentation, 80 against 71", "Agent ergonomics, 80 against 58", "Security \u0026 auth, 57 against 49", "Payments \u0026 pricing, 20 against 15", "Transparency \u0026 trust, 64 against 53" ], "also": [ "A hosted endpoint, with nothing to install" ], "goodFor": "Lenders and fintechs that need consented bank data in Brazil, employment or tax records in Mexico, or Pix and direct debit collection, and can sign a contract.", "slug": "belvo", "watchFor": "Production keys follow a sales meeting, a certification call with a Belvo engineer and a paid plan from 1,000 USD a month" }, { "aheadOn": null, "also": null, "goodFor": "A bank, wealth firm or fintech with a Yodlee contract that needs wide account coverage, including investment holdings, loans and insurance, in the US, UK, Australia and India.", "slug": "yodlee-financial-data", "watchFor": "No public price, service agreement or developer terms. The terms address named in the Swagger file returns 404" } ], "job": { "capability": "bank.accounts", "name": "Bank accounts" }, "others": [ { "json": "https://www.anchorterminal.com/compare/akoya-vs-belvo.json", "title": "Akoya vs Belvo", "url": "https://www.anchorterminal.com/compare/akoya-vs-belvo" }, { "json": "https://www.anchorterminal.com/compare/akoya-vs-yodlee-financial-data.json", "title": "Akoya vs Yodlee Core API", "url": "https://www.anchorterminal.com/compare/akoya-vs-yodlee-financial-data" }, { "json": "https://www.anchorterminal.com/compare/belvo-vs-enable-banking.json", "title": "Belvo vs Enable Banking", "url": "https://www.anchorterminal.com/compare/belvo-vs-enable-banking" }, { "json": "https://www.anchorterminal.com/compare/belvo-vs-flinks.json", "title": "Belvo vs Flinks", "url": "https://www.anchorterminal.com/compare/belvo-vs-flinks" }, { "json": "https://www.anchorterminal.com/compare/belvo-vs-gocardless-bank-account-data.json", "title": "Belvo vs GoCardless Bank Account Data", "url": "https://www.anchorterminal.com/compare/belvo-vs-gocardless-bank-account-data" }, { "json": "https://www.anchorterminal.com/compare/belvo-vs-mx.json", "title": "Belvo vs MX Platform API", "url": "https://www.anchorterminal.com/compare/belvo-vs-mx" }, { "json": "https://www.anchorterminal.com/compare/belvo-vs-plaid.json", "title": "Belvo vs Plaid", "url": "https://www.anchorterminal.com/compare/belvo-vs-plaid" }, { "json": "https://www.anchorterminal.com/compare/belvo-vs-salt-edge.json", "title": "Belvo vs Salt Edge Account Information", "url": "https://www.anchorterminal.com/compare/belvo-vs-salt-edge" }, { "json": "https://www.anchorterminal.com/compare/belvo-vs-teller.json", "title": "Belvo vs Teller", "url": "https://www.anchorterminal.com/compare/belvo-vs-teller" }, { "json": "https://www.anchorterminal.com/compare/belvo-vs-tink.json", "title": "Belvo vs Tink", "url": "https://www.anchorterminal.com/compare/belvo-vs-tink" }, { "json": "https://www.anchorterminal.com/compare/belvo-vs-truelayer.json", "title": "Belvo vs TrueLayer", "url": "https://www.anchorterminal.com/compare/belvo-vs-truelayer" }, { "json": "https://www.anchorterminal.com/compare/belvo-vs-yapily.json", "title": "Belvo vs Yapily", "url": "https://www.anchorterminal.com/compare/belvo-vs-yapily" }, { "json": "https://www.anchorterminal.com/compare/enable-banking-vs-yodlee-financial-data.json", "title": "Enable Banking vs Yodlee Core API", "url": "https://www.anchorterminal.com/compare/enable-banking-vs-yodlee-financial-data" }, { "json": "https://www.anchorterminal.com/compare/flinks-vs-yodlee-financial-data.json", "title": "Flinks vs Yodlee Core API", "url": "https://www.anchorterminal.com/compare/flinks-vs-yodlee-financial-data" }, { "json": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-yodlee-financial-data.json", "title": "GoCardless Bank Account Data vs Yodlee Core API", "url": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-yodlee-financial-data" }, { "json": "https://www.anchorterminal.com/compare/mx-vs-yodlee-financial-data.json", "title": "MX Platform API vs Yodlee Core API", "url": "https://www.anchorterminal.com/compare/mx-vs-yodlee-financial-data" }, { "json": "https://www.anchorterminal.com/compare/plaid-vs-yodlee-financial-data.json", "title": "Plaid vs Yodlee Core API", "url": "https://www.anchorterminal.com/compare/plaid-vs-yodlee-financial-data" }, { "json": "https://www.anchorterminal.com/compare/salt-edge-vs-yodlee-financial-data.json", "title": "Salt Edge Account Information vs Yodlee Core API", "url": "https://www.anchorterminal.com/compare/salt-edge-vs-yodlee-financial-data" }, { "json": "https://www.anchorterminal.com/compare/teller-vs-yodlee-financial-data.json", "title": "Teller vs Yodlee Core API", "url": "https://www.anchorterminal.com/compare/teller-vs-yodlee-financial-data" }, { "json": "https://www.anchorterminal.com/compare/tink-vs-yodlee-financial-data.json", "title": "Tink vs Yodlee Core API", "url": "https://www.anchorterminal.com/compare/tink-vs-yodlee-financial-data" }, { "json": "https://www.anchorterminal.com/compare/truelayer-vs-yodlee-financial-data.json", "title": "TrueLayer vs Yodlee Core API", "url": "https://www.anchorterminal.com/compare/truelayer-vs-yodlee-financial-data" }, { "json": "https://www.anchorterminal.com/compare/yapily-vs-yodlee-financial-data.json", "title": "Yapily vs Yodlee Core API", "url": "https://www.anchorterminal.com/compare/yapily-vs-yodlee-financial-data" } ], "scores": [ { "belvo": 84, "by": 69, "edge": "belvo", "key": "reliability", "name": "Reliability", "weight": 16, "yodlee-financial-data": 15 }, { "key": "performance", "name": "Performance", "pending": true, "weight": 10 }, { "belvo": 80, "by": 9, "edge": "belvo", "key": "schema", "name": "Schema \u0026 documentation", "weight": 13, "yodlee-financial-data": 71 }, { "belvo": 80, "by": 22, "edge": "belvo", "key": "ergonomics", "name": "Agent ergonomics", "weight": 13, "yodlee-financial-data": 58 }, { "belvo": 57, "by": 8, "edge": "belvo", "key": "security", "name": "Security \u0026 auth", "weight": 14, "yodlee-financial-data": 49 }, { "belvo": 20, "by": 5, "edge": "belvo", "key": "payments", "name": "Payments \u0026 pricing", "weight": 10, "yodlee-financial-data": 15 }, { "key": "tasks", "name": "Task success", "pending": true, "weight": 10 }, { "belvo": 30, "by": 3, "edge": "yodlee-financial-data", "key": "maintenance", "name": "Maintenance \u0026 community", "weight": 7, "yodlee-financial-data": 33 }, { "belvo": 64, "by": 11, "edge": "belvo", "key": "transparency", "name": "Transparency \u0026 trust", "weight": 7, "yodlee-financial-data": 53 } ], "summary": "Belvo scores 63.5 (B) on agent readiness against Yodlee Core API's 41.9 (E), and leads in 6 of 7 scored categories. Both do bank accounts.", "verdicts": { "belvo": "Belvo publishes a 146-operation OpenAPI file, an llms.txt with a Markdown twin of each docs page, and list endpoints with field selection and pages of up to 1,000. Production access needs a sales meeting, a certification call and a paid plan from 1,000 USD a month, and no changelog or maintained SDK was found.", "yodlee-financial-data": "A public Swagger 2.0 file covers 98 operations with per-operation error codes, and tokens last 30 minutes and are bound to one end user. No price, service terms, status page, rate limit or SLA is published, there is no official server SDK, and the sandbox is limited to five preconfigured users with sample data." } }, "kind": "anchor.page", "links": { "api": "https://www.anchorterminal.com/api/v1/index.json", "html": "https://www.anchorterminal.com/compare/belvo-vs-yodlee-financial-data", "json": "https://www.anchorterminal.com/compare/belvo-vs-yodlee-financial-data.json", "llms": "https://www.anchorterminal.com/llms.txt", "markdown": "https://www.anchorterminal.com/compare/belvo-vs-yodlee-financial-data.md", "slim": "https://www.anchorterminal.com/compare/belvo-vs-yodlee-financial-data.min.md" }, "markdown": "Belvo scores 63.5 (B) on agent readiness against Yodlee Core API's 41.9 (E), and leads in 6 of 7 scored categories. Both do bank accounts.\n\n- Belvo: grade B, 63.5/100, rank #355 of 842. Markdown https://www.anchorterminal.com/tools/belvo.md · JSON https://www.anchorterminal.com/api/v1/tools/belvo.json\n- Yodlee Core API: grade E, 41.9/100, rank #796 of 842. Markdown https://www.anchorterminal.com/tools/yodlee-financial-data.md · JSON https://www.anchorterminal.com/api/v1/tools/yodlee-financial-data.json\n\n## Which one, for what\n\n### Belvo (B)\n\nGood for: Lenders and fintechs that need consented bank data in Brazil, employment or tax records in Mexico, or Pix and direct debit collection, and can sign a contract.\n\nAhead on:\n- Reliability, 84 against 15\n- Schema \u0026 documentation, 80 against 71\n- Agent ergonomics, 80 against 58\n- Security \u0026 auth, 57 against 49\n- Payments \u0026 pricing, 20 against 15\n- Transparency \u0026 trust, 64 against 53\n\nAlso in its favour:\n- A hosted endpoint, with nothing to install\n\nWatch for: Production keys follow a sales meeting, a certification call with a Belvo engineer and a paid plan from 1,000 USD a month\n\n### Yodlee Core API (E)\n\nGood for: A bank, wealth firm or fintech with a Yodlee contract that needs wide account coverage, including investment holdings, loans and insurance, in the US, UK, Australia and India.\n\nWatch for: No public price, service agreement or developer terms. The terms address named in the Swagger file returns 404\n\n\n## Score by category\n\n| Category | Weight | Belvo | Yodlee Core API | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 84 | 15 | Belvo +69 |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 80 | 71 | Belvo +9 |\n| Agent ergonomics | 13% (16.2 this run) | 80 | 58 | Belvo +22 |\n| Security \u0026 auth | 14% (17.5 this run) | 57 | 49 | Belvo +8 |\n| Payments \u0026 pricing | 10% (12.5 this run) | 20 | 15 | Belvo +5 |\n| Task success | 10%, pending | pending | pending | not scored in this run |\n| Maintenance \u0026 community | 7% (8.8 this run) | 30 | 33 | Yodlee Core API +3 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 64 | 53 | Belvo +11 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **63.5 · B** | **41.9 · E** | |\n\n## Facts side by side\n\n| Fact | Belvo | Yodlee Core API |\n| --- | --- | --- |\n| Kind | HTTP API | HTTP API |\n| Vendor | Belvo | Yodlee, Inc. |\n| Hosted endpoint | `https://api.belvo.com` | no (local only) |\n| Transports | HTTP | HTTP |\n| Auth | API key | OAuth |\n| Pricing | Paid | Paid |\n| x402 | no | no |\n| Licence | Proprietary service under Belvo's General Conditions of Service Usage. The belvo npm package (0.28.0) is MIT | Proprietary service. The Swagger file on GitHub is MIT |\n| Read-only variant documented | no | no |\n| llms.txt | yes | no |\n| Last release | 2026-08-10 | 2026-07-31 |\n| Terms last updated | 2025-01-10 | no document linked |\n| Privacy policy last updated | 2021-02-22 | no document linked |\n| Customer content may train models | not found in the text | |\n| Terms restrict automated access | not found in the text | |\n| Terms restrict benchmarking | not found in the text | |\n| Terms or service can change without notice | yes | |\n| Arbitration or class-action waiver | not found in the text | |\n| Popularity | 1.1k npm/wk, 240 PyPI/wk | 17 stars |\n\n## Verdicts\n\n**Belvo.** Belvo publishes a 146-operation OpenAPI file, an llms.txt with a Markdown twin of each docs page, and list endpoints with field selection and pages of up to 1,000. Production access needs a sales meeting, a certification call and a paid plan from 1,000 USD a month, and no changelog or maintained SDK was found.\n\n**Yodlee Core API.** A public Swagger 2.0 file covers 98 operations with per-operation error codes, and tokens last 30 minutes and are bound to one end user. No price, service terms, status page, rate limit or SLA is published, there is no official server SDK, and the sandbox is limited to five preconfigured users with sample data.\n\n## Before you call either\n\n### Belvo\n\n1. Send HTTP Basic with `secretId` as username and `secretPassword` as password to https://sandbox.belvo.com, and switch to https://api.belvo.com only with production keys\n2. Create links through the Hosted Widget with a token from POST /api/token/, which expires after 10 minutes\n3. Read stored data with GET list calls. Each POST retrieval in Brazil counts against monthly Open Finance limits, such as 8 a month per CPF for owners and accounts\n4. Retry 50x responses up to five times from a 3 second base with a factor of two, and don't retry 40x apart from `too_many_sessions`\n5. Send `Belvo-Idempotency-Key` with a UUID when creating a payment intent, and `X-Belvo-Request-Mode: async` on link deletion to avoid the limit of 5 deletions a minute\n\n### Yodlee Core API\n\n1. Get a token with `POST /auth/token`, sending `Api-Version: 1.1` and the end user's `loginName` as headers and `clientId` and `secret` in a form body. Reuse it for up to 30 minutes\n2. Use the admin `loginName` only for administrative calls such as webhook subscriptions. A token made with a user's `loginName` reads only that user's data\n3. In the sandbox, pick one of the five preconfigured users. Registering new users is not supported there\n4. Page `GET /transactions` with `skip` and `top` (1 to 500). Without dates it returns the last 30 days, and at most two years with `fromDate` and `toDate`\n5. A person must link accounts in FastLink 4 first. Then read `GET /providerAccounts` for link status before `GET /accounts`\n6. Subscribe to `DATA_UPDATES` or `REFRESH` webhooks, or poll `GET /dataExtracts/events` in windows of at most 60 minutes, and do not poll accounts in a loop\n\n## Questions\n\n### Which is better for AI agents, Belvo or Yodlee Core API?\n\nBelvo scores 63.5 (B) on agent readiness against Yodlee Core API's 41.9 (E), and leads in 6 of 7 scored categories.\n\n### Do Belvo and Yodlee Core API need an API key?\n\nBelvo needs an API key. Yodlee Core API uses an OAuth sign-in.\n\n### Can an agent call Belvo and Yodlee Core API without installing anything?\n\nBelvo has a hosted endpoint at https://api.belvo.com. No hosted endpoint is listed for Yodlee Core API.\n\n\n## For agents\n\n- This comparison as JSON: https://www.anchorterminal.com/compare/belvo-vs-yodlee-financial-data.json, and with the fewest tokens: https://www.anchorterminal.com/compare/belvo-vs-yodlee-financial-data.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"belvo\", \"b\": \"yodlee-financial-data\"}`. From a terminal: `anchor compare belvo yodlee-financial-data`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/belvo.json and https://www.anchorterminal.com/api/v1/tools/yodlee-financial-data.json\n\n## Other comparisons with Belvo or Yodlee Core API\n\n- [Akoya vs Belvo](https://www.anchorterminal.com/compare/akoya-vs-belvo.md)\n- [Akoya vs Yodlee Core API](https://www.anchorterminal.com/compare/akoya-vs-yodlee-financial-data.md)\n- [Belvo vs Enable Banking](https://www.anchorterminal.com/compare/belvo-vs-enable-banking.md)\n- [Belvo vs Flinks](https://www.anchorterminal.com/compare/belvo-vs-flinks.md)\n- [Belvo vs GoCardless Bank Account Data](https://www.anchorterminal.com/compare/belvo-vs-gocardless-bank-account-data.md)\n- [Belvo vs MX Platform API](https://www.anchorterminal.com/compare/belvo-vs-mx.md)\n- [Belvo vs Plaid](https://www.anchorterminal.com/compare/belvo-vs-plaid.md)\n- [Belvo vs Salt Edge Account Information](https://www.anchorterminal.com/compare/belvo-vs-salt-edge.md)\n- [Belvo vs Teller](https://www.anchorterminal.com/compare/belvo-vs-teller.md)\n- [Belvo vs Tink](https://www.anchorterminal.com/compare/belvo-vs-tink.md)\n- [Belvo vs TrueLayer](https://www.anchorterminal.com/compare/belvo-vs-truelayer.md)\n- [Belvo vs Yapily](https://www.anchorterminal.com/compare/belvo-vs-yapily.md)\n- [Enable Banking vs Yodlee Core API](https://www.anchorterminal.com/compare/enable-banking-vs-yodlee-financial-data.md)\n- [Flinks vs Yodlee Core API](https://www.anchorterminal.com/compare/flinks-vs-yodlee-financial-data.md)\n- [GoCardless Bank Account Data vs Yodlee Core API](https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-yodlee-financial-data.md)\n- [MX Platform API vs Yodlee Core API](https://www.anchorterminal.com/compare/mx-vs-yodlee-financial-data.md)\n- [Plaid vs Yodlee Core API](https://www.anchorterminal.com/compare/plaid-vs-yodlee-financial-data.md)\n- [Salt Edge Account Information vs Yodlee Core API](https://www.anchorterminal.com/compare/salt-edge-vs-yodlee-financial-data.md)\n- [Teller vs Yodlee Core API](https://www.anchorterminal.com/compare/teller-vs-yodlee-financial-data.md)\n- [Tink vs Yodlee Core API](https://www.anchorterminal.com/compare/tink-vs-yodlee-financial-data.md)\n- [TrueLayer vs Yodlee Core API](https://www.anchorterminal.com/compare/truelayer-vs-yodlee-financial-data.md)\n- [Yapily vs Yodlee Core API](https://www.anchorterminal.com/compare/yapily-vs-yodlee-financial-data.md)\n", "meta": { "attribution": "Anchor Terminal (https://www.anchorterminal.com)", "docs": "https://www.anchorterminal.com/docs/", "generatedAt": "2026-10-09", "license": "CC-BY-4.0", "method": "https://www.anchorterminal.com/benchmark/", "methodology": "0.4", "openapi": "https://www.anchorterminal.com/openapi.json", "preview": false, "run": "2026-10-01", "runLabel": "October 2026 research run" }, "page": { "breadcrumbs": [ { "name": "Home", "url": "https://www.anchorterminal.com/" }, { "name": "Compare", "url": "https://www.anchorterminal.com/compare/" }, { "name": "Belvo vs Yodlee Core API", "url": "" } ], "description": "Belvo scores 63.5 (B) on agent readiness against Yodlee Core API's 41.9 (E), and leads in 6 of 7 scored categories. Both do bank accounts. Category scores, facts, verdicts and agent notes side by side.", "facts": [ "Belvo B 63.5", "Yodlee Core API E 41.9", "scores" ], "h1": "Belvo vs Yodlee Core API", "image": "https://www.anchorterminal.com/assets/og/compare-belvo-vs-yodlee-financial-data.png", "path": "/compare/belvo-vs-yodlee-financial-data", "published": "2026-10-01", "section": "tools", "title": "Belvo vs Yodlee Core API for AI agents, B 63.5 vs E 41.9", "toc": null, "updated": "2026-10-09", "url": "https://www.anchorterminal.com/compare/belvo-vs-yodlee-financial-data" }, "tokens": { "markdown": 2450, "slim": 680 }, "version": 1 }